<p>Is there any loans a student can take out without having their parent or any other person of age signing it?</p>
<p>Yes, there are government guaranteed loans you can take out yourself (Stafford, Perkins, etc). They do have limits as to how much you can borrow though. If you’ve filled out your FAFSA, you’ve already got the ball rolling.</p>
<p>yea, all of that is done, but my parents are giving me a hard to about cosigning the one they have to cosign (i want to say it’s the PLUS loan or something like that) and i don’t think those specific ones could cover all of the costs because of their limitations</p>
<p>thanks for the input though :)</p>
<p>hard time**</p>
<p>PLUS loans are not co-signed loans. Those are loans that go directly in your parents’ names. The dragging their feet because they will be on the hook.</p>
<p>ASk your financial aid office if they know of any students loans that don’t need a cosigner . I did see one that didn’t that wasn’t a federal loan, It was a private institution, I just searched the web. Let me know what you come up with. I am in the same boat with my son. We won’t get a plus loan(too high debt) We don’t even know if we are credit worthy to co-sign on one for him either. We have great credit but our debt is too high.I think the interest rate is going to be higher on these loans and some of them-even though you get a co-signer will let you drop the co-signer once a certain amount of on-time payments have been made! Good luck</p>
<p>Kmh, do you know the name of that loan? </p>
<p>Plus loans work two different ways. If your parents are credit worthy, they can co-sign sucessfully for the loan. If your parents credit sucks (mine!), the process works a little different. If your parents have bad credit, they’ll be denied for the loan. Don’t worry, you can apply on your own if your parents are denied first. I’ve done this multiple times.</p>
<p>Try salliemae. I went to <a href=“http://www.salliemae.com%5B/url%5D”>www.salliemae.com</a> and they had something stating that you could save some interest if you had someoen co-sign but doesn’t look like they require one. Let me know . How did it work for you when your parents were not able to co sign for you. We are probabbly in teh same boat. I know it would be easier for my son to get his own loans with out a co-signer-I didn’t know there was that option. I did find the sallie mae thing so hopefully it will work. I really didn’t read between the lines though. I may be calling them later.</p>
<p>SallieMae, Nelnet, TeriLoan are all good places to look for secondary market education loans. However, these are credit-based loans.</p>
<p>The reason that co-signing is the norm for undergrads is because they have no credit history, thus the need for a co-signer.</p>
<p>If you find a lender that will let an 18-22 year old student borrow money without a co-signer, LET US KNOW. Unfortunately, I haven’t found one yet.</p>
<p>Yeah I called them today. I spoke to them and they said- really the only way is if your parents don’t qulaify for a co-sign your school may have programs for you.Their website says no co-signer for their signature loan and save on interest rates with a co-signer. I just took it literally I guess . Oh well I am still going to look though-but I don’t have much hope ;(</p>
<p>Thanks anyway. Keep us posted.</p>
<p>I won’t be 18 until my second semester freshmen year. </p>
<p>Can I still sign for loans??</p>
<p>You will need a co-signer, but it should work.</p>
<p>yea i’m only 17 also 
and i have no one to cosign</p>
<p>Even if you’re 17, you still can sign promissory notes for your Federal Stafford loans yourself. Possibly others too.</p>
<p>i’m not positive if im correct but i think i can only takes those ones out to a certain amount though</p>
<p>Yes, there are limits. Stafford isn’t really that much, but it increases yearly. If it isn’t enough, Perkins loans may be able to assume the remainder of your tuition.</p>